if one kid doesn't use it all up for education the other one can use it. grandparents, family members, holidays are coming, put money in there. also where that is going? when you shop for 529 go to savingforcollege.com for free and shop around. don't look at fees. you want to be fee sensitive but also want to have lots of different assets to choose because you have to make changes as your children get closer to school. you want to be more conservative when they're in high school but right now, his kids are young enough he can take a bit of risk. >> any other way to save for college besides 529? >> absolutely the best way. be systemic with savings. 529 is your best bet. >> don't have a lag of time you're not contributing. >> yes, the dollar cost averaging strategy there. >> sound likes good advice. if you have an issue, upload 30-second video to ireport.com. ally bank. why they have a raise your rate cd. tonight our guest, thomas sargent. nobel laureate in economics, and one of the most cited economists in the world. professor sargent, can you tell me what